Comenity

After receiving my first statement I decided to set up an online account to pay my bills to avoid late charges and interest. My son helped me and decided to pay the bill in full two weeks before due date. He paid using his bank routing number and account number which has sufficient funds during the month we paid. The next thing I got was letter suspending my credit card for returned payment. After we made a payment at store in full, I called the customer service and spoke to the manager who explained that the extra fees are not reversible and the account will stay in suspension for three months.

I have had this card for 5 years. If I have a balance it’s small. I’ve never missed a payment or paid one late. I paid the card off two months ago and today I get a notice from a Credit Karma that my account had been closed. They didnt notify me at all. No phone call, no email or letter. They won’t give me any information over the phone or even try to reverse it. I was affected by Hurricane Florence and yes my credit rating has gone down due to lack of payment from the insurance company but according to Comenity they were here for people affected by the hurricanes. This is total **. All they did was hurt my credit even more by closing my account for no reason.

I got a Comenity Bank Credit Card because I am a member of BJ's. It is one of the worst banks for Credit Cards. They charged me 85 dollars just because the payment (I make payments in full) came into the system one day late. I called them and literally fought with the customer service to waive the charges. But they wouldn't. This is the craziest bank that you can ever deal with. Now I am stuck with this credit card as it is the only credit card that the BJ's accepts.

I have had an Ulta Beauty Ultamate Rewards card for over a year and always pay off my balance so I’ve never paid late fees or interest. So I decided to get a Love Loft card around Xmas and got approved with a 16,0000 credit limit. I spent around 100 and paid off the balance. Today I opened my no balance statement and my credit limit has been reduced to 8,000 for no reason?

Comenity definitely is the worst bank I have ever dealt with. I financed dental work with My Smile Care/Comentiy bank and the calls from them started the day after treatment telling me my payment was late two weeks before the first payment due date. They offer very little help when trying to set up online payments through the website but constantly hound you about making payments. Example, Today is 2/7/2019, my due date is 2/27/2019 but I am already receiving multiple (4 within 5 minutes) robocalls for collections on my current account. Stay away from this bank at all cost!!

I've had Comenity. I only planned to use it once, it was for an item I needed, really needed and couldn't afford to buy it all at once. I had numerous problems with them setting up the account that caused me to be late for some payments, the lack of a start date also meant the settlement date was iffy too. They overcharge me quite a lot even though I made sure to pay on time and even overpay a little.

I just want to say, that I have better cards with better benefits and flexibility with payment hours, etc., but the cherry on the top was a rep- Arturo, very rude, didn't listed what I wanted to do. I have 2 accounts and I wanted to pay off and close 1 account and make a payment on the other one, but he was shouting: "You must make a payment! Ma'am you must make a payment!" Seriously... Rude imbecile.

Opened a West Elm credit card and waited a few months to use it for the first time. Went to use the card only to have the purchase declined. Called to see what the problem was, and they said they closed my account because my credit score had declined since the card was opened. I have other credit cards that are with Comenity and I’ve always paid more than the minimum due and on time. Don’t appreciate the fact that they close customer accounts without notifying the customer. I’ll be paying off my cards and using other credit cards for future purchases. Comenity treats their customers like garbage.

If I could give this company a -0, I would. Horrible business practices making it difficult to set up automatic payments. I have paid off this account and closed it three times and still get bills saying there are issues with the billing cycle and the fees generate additional charges. This is a complete nightmare. I work really hard to maintain a good credit rating, and this company is unscrupulous. They take advantage of consumers. Run away and don't get a credit card from this company. I am going to the Better Business Bureau and State Attorney General's office.

This credit card company tells me that my payment is late and then charges me a late payment fee EVEN WHEN THE PAYMENT IS ON TIME OR EARLIER. I have never made a late payment to any company, yet this one company tells me I am always late. I check my bank. The payment cleared ONE WEEK before the due date, and my Comenity statement says the payment was one week late. DON’T USE THIS CARD.

I opened up a Children's Place credit card with this bank. I always paid on time. I even scheduled my payments before they were due or even told me my minimum payment due. I missed a month by $5 (I went by what I paid the month before as it should of been the same). Next thing I know I'm hit with late fees over $5. You would think since I paid before the due date they would send some sort of notification that I have a payment due. I called to see if they could possibly help with the late fee since I had my payment set up before I even knew what my minimum payment was supposed to be and explained what happened and they had no care in the world. STAY AWAY FROM ANY CREDIT CARD THAT HAS TO DO WITH THIS BANK!

Approximately two weeks ago, I applied for and was approved for a Bed Bath Beyond Mastercard for $1,000 limit. Received the cards a few days ago and, this past Saturday, attempted to use for a purchase. The card was declined - my husband tried his...same thing! I called and was told something appeared on my credit report and so they closed it, and it can’t be reopened. Most of my other cards are with Comenity and there have been no issues - no late payments - NOTHING! I am pissed!!! They obviously ran my credit report to approve me!

The bill was due on 1/13/2019. I initiated online bill payment through Chase Bank which was sent on 1/7/2019 (proof of payment given by Chase Bank). Comenity Bank said they did not receive payment until 1/16/2019 thus they charged me late fee $27 plus finance charges $1.57 for a balance that was only $36.75. They refused to remove these fees even after I showed proof of payment from Chase Bank that my money in my bank account was taken out by 1/7/2019.

I had my card for a year before using it (put $150 on the card). I had lost the actual card and called in during December 2018 to get a new one. I was told a new one would be sent out but I didn't receive it. I missed the December payment (the first and ONLY miss). I made a $37 payment January 4 to bring my payment current. Good to go right? Wrong.

This company is in fact a scam. Customer service is horrible. It’s all about the money with them. Come on now. It’s 2019 and they don’t have a autopay in place for the Victoria Secret or Wayfair card holders by now. Seems they are not making it easy to pay (want you to be late) and get most of their profit form late fees. It’s always a issue but my most recent last straw was them charging $37 for late fees that was inappropriately charged. Had experienced problems with the site not accepting my payments for 8 months. No one was able to explain why all of a sudden my stored checking info was not working for payments. I would have to walk in my payments or call or mail in. For me it’s a huge inconvenience because I’m busy. It would be similar to set up auto pay or log on to pay but neither was available & if I call in I would have to spend hours on phone explaining each month. Bottom line - this company needs to fold!!! I’m done with them.

I was tricked into getting their credit card saying there was no interest. "It really wasn't a credit card. More like a membership card. It won't go on my credit." Also that I would get discounts (not just points for discounts with everything I buy with the card). I got a discount for my first transaction. That was it. I paid it off there and then. I made another $70 transaction a few months later. That was in 2016. I have paid them hundreds of dollars. I set up the auto pay (they charge 10.00 to pay over the phone) and they take out the money a week after and charge me 32.00 late fees and 3.00 interest after it shows on their site it was paid the day I asked them to take it out. Then they reverse the charge and charge me a 25.00 fee for that.

Charged me late fees inappropriately. Failed to send me a welcome letter to my address. Had no way to pay balance. Got a robocall which I then got access to my account number for the first time to pay my balance. They never corrected the late fees or interest on the late fees. Kept charging interest. The account reached $676 from $40. They also sent to collections. When trying to resolve the collections they claimed they don't have my account details. They claimed late multiple times on my credit report even though I had NO balance with them. STAY AWAY. THEY ARE SCAM ARTISTS AND OPERATE TO THEIR BENEFIT ONLY. I had over 30 calls with them throughout the life of the account with calls lasting over 30 mins to 2 hours at times. They always said a supervisor would get back to me or they would correct the account. Never happened. They claim they don't have the ability to that. A computer does it for them... Shaking my head.

I've been with this bank 3 years. Paid payments every time on time. Before I went on Deployment I schedule payments to be submitted. Before I left told me they don’t do autopay? Sounds like they are trying to screw you right? I finally get signal 3 months later and check my account and I have 3 late payments. I call them. Told them we talked and they said they would fix. I paid the remainder off afraid that they would do the same. Guess what 2 months later I arrive back in the states check my credit. Bam 2 more missed payment. I asked what did I owe. I paid it off. Everything was a mistake to begin with. They told me that after I paid the 759 off that two days later a late fee posted for that and now I owed 120. Lol on a zero balanced account. Please turn away. Do not I repeat do not trust the bank. ZERO STARS!!!

I made 2 purchases at Overstock in November. Both were purchased with deferred interest if paid off in 12 months. Got my first statement from Comenity, and nowhere does it show that I have that plan. Called them. No record of a deferred plan! I told them I absolutely made the purchases with that plan. They told me my account will be in dispute, and I’ll get a letter in 2 weeks. Overstock cannot confirm it either. So, I guess it’s my word against theirs. After reading some of these reviews, I’m not hopeful. I guess they want their interest. I would never have made these purchases otherwise. I don’t have 800.00 to pay it off. I am so upset!

I wish I can give a -5-star rating! Why can some company ruin our hard earned credit score just with a blink of an eye? I have a J.Crew store credit card which I rarely use and when I opened it I asked for a low credit limit around $800. My credit score is in the 800. Before Christmas 2018 (Dec. 21), I shopped at a J.Crew store to buy plaid shirts I need to wear for family holiday party, and I used the store credit card (by Comenity Bank). While paying at the register, I asked store employee to tell me my balance so I can pay right there at the store. Worker told me I can pay but can’t tell me my balance. On Jan. 3, while doing online banking, I saw that my credit score dropped by 50 points... yes 5-0 POINTS!!! And I look at alerts and it showed it is because of a late payment with Comenity Bank.

I am Disappointed with COMENITY TOTAL REWARDS Visa fraud department... I have a $26,000 credit limit. I spend over $30,000 a year on this card for Business and personal use. My wife call COMENITY to check on Supermarket PURCHASE she made and Comenity fraud/customer service department block all my cards without notice or any form of COMMUNICATION... (My wife is a AUTHORIZE USER). I am the primary cardholder, I FEEL like they should've call me to let know they're blocking or to verify information. Instead I went to USE the card at the restaurant AND THE CARD was denied, That was very EMBARRASSING FOR ME, WHAT IF WHAT WAS THE ONLY CARD I HAD ON ME.

Like many reviewer here, I too am incredibly disappointed that Comenity would close my accounts due to inactivity. One card was Pottery Barn. I had just furnished my house a little over a year ago and had planned to buy a new sofa for Christmas. This is how I learned my account was closed. Then I checked my credit report and score which had tumbled due to the closing of 3 accounts. I called to try to reason with them but no luck; so I wrote an email through Pottery Barn even stating I was prepared to make a purchase. I received a response from Comenity saying they did send notice...to the credit bureau after it was closed. SMH. Sending it to me would have been useful. At least I would not have been embarrassed trying to use the card. I learned later that banks can do this without notice so lesson learned. They weren't great cards anyway but I liked the stores and the rewards. I think Comenity could and should treat their customers better.

I had always paid my account off as soon as I got something out of this store called Goody’s. I had a small $200 limit. I got like $50 worth of stuff and tried paying my account right off but my phone number was changed by somebody in a call center doing a skip trace so my account had the wrong info so they could not look my account up. I travelled and moved and had other people trying to pay my bill but my info was wrong still and they could not pay it. After 7 mos of this foolishness I came back to settle this bill and a really slow stuttering dude took him over an hr. for him to find my account because some employee put bad information in their notes and my file. This nice stuttering fellow informed me that my bill was now $328 to settle my acct due to no payments and they have policy where they can charge up to 100% interest on the bill.

Very disappointed with gimmick by West Elm and Comenity Bank. I was told when I signed for West Elm credit card I would receive $25 for every $250 I spent. I had over $2500 in purchases and waited for my rewards. It has now been over 8 weeks and I have yet to receive anything from West Elm or Comenity Bank. When I made inquiry to Comenity, this is the response I received. "I apologize for the inconvenience and concern this has caused. Lost/stolen rewards and rewards 'not received' cannot be replaced." Use other credit cards that provide genuine rewards, not these renegade ones that are nothing but gimmicks.

The worst customer service ever. Never received bank statement on time. Payment on due date or later, because of that, and late fee $38. It's ridiculous. What about bank grace period? Stay away from this piece of garbage.

I have been working on a dispute with the financial company that manages various retail credit cards. The statement 8/25/16 reflected the purchase made on (7/16/16) and returned credit (8/1/16). When receiving 9/25/16 statement the 7/16/16 purchase reappeared with the same differed reference number and purchase date. I submitted the supporting documentation to Comenity dispute center which denied my claim. They didn't give a reason. Only it was not a valid claim. I resubmitted the dispute. When receiving 2nd denial I contacted the customer care/credit department.

The complaints in here bewilder me. Of course you will incur late fees if you pay your bill late; of course you will incur interest charges if you carry a balance. After a bad relationship failed and took my credit with it, I stayed off the grid for 8 years. When I was ready to get back into the game, Comenity was one of the only banks willing to take a chance on me -- a middle-aged woman with no credit history. I've paid my bills on time well before the due date and I've paid more than the minimum due. I've never gotten a phone call from them and their websites are remarkably easy to use. The people complaining here are either bad at paying their bills on time or bad at understanding how online billing works -- I've had no problems whatsoever and I've received generous credit line increases already. Comenity is a great bank for rebuilding credit provided you actually plan to pay them back on time.

First, they kept increasing my credit line - when I never authorized or request any such increase. Then they would constantly email me with "offers" to use my cards. I had several of the credit cards under them and had zero balances on all of them. Next thing I know, I start getting letters saying they closed my accounts for "inactivity" and because of my credit score. Now mind you, each time they increased my credit limit, it dinged my score because of "available credit" to equity ratios. I'm not going to hold it against the stores themselves, but I will never... EVER... sign up for another Comenity card. These people are the worst! Whatever other cards you carry - dump these!

I need to start by saying, I do not EVER make late payments. I'm two months ahead on all my bills. So imagine my surprise when I received a call saying I was severely delinquent on my account. I told them this was impossible and they said I had paid a day late so they charged a $24 fee. Then three months after I paid on time I received THIS FIRST ATTEMPT AT CONTACT, I was told that the late fees on the late fees were upwards of $270. WHAT?! I not only had paid on time but I even asked the girl if I was all caught up to date and she said, "Yes, you paid on time so there won't be any late fees."

I did cool sculpting in 2016, and my overall bill came to $10,000. Since the time the bill was generated, I have been paying thrice the minimum payment amount every month, and I paid almost every payment without missing any monthly deadline. Late 2018, I was busy with my work and didn't realize that the promotional due expires on 12/5/18. There was no intimation regarding the expiration. I read my email, & noticed that my remaining balance was $2700. I was really shocked.